PetalCard.com Invite
petalcard.com/invite is used to respond to a pre-approved credit card offer from Petal. If you received an offer in the mail, this is where you go to enter your unique 10-digit invitation code to proceed with the application.
Note: Petal cards were discontinued for new applications in August 2025 and replaced by Tilt credit cards. Existing Petal cardholders are not affected.
How it works
What if you don't have an invite code?
If you did not receive a pre-approved offer in the mail, you can still apply for a Petal card directly through their website at petalcard.com.Petal offers several credit cards, including the Petal 1 and Petal 2, which are designed for people with little to no credit history. When you apply through their main site, you may still be offered pre-approval, and Petal is known for using "cash flow underwriting," which evaluates your banking history in addition to your credit score to help determine eligibility.
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* See the online Petalcard.com/invite (www.petalcard.com/invite) credit card application for details about terms and conditions and offers.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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